Showing posts with label closing costs. Show all posts
Showing posts with label closing costs. Show all posts

Monday, March 9, 2015

Pre Settlement

 We finally had our walk through today.  There is so much to remember to maintain a home.  I will admit that we are probably a little nervous about this one because this is something that we chose everything that went in to the home.  And with little swatches and cut outs its hard to see the big picture.  That is until pre settlement.  So here are a few pics from today.
My Juliette- they still have to repair the portico- which I have in writing

The door really looks brown today- thinking about a paint change






I love my back splash














Bedroom #2 


If I get any more pics tomorrow, I will add them later.

As far as the mortgage mess, it got a little messier.  I will not report any more here, but I am still holding out hope that it will work out soon.  Just make sure, you get EVERYTHING in writing.  I think my only saving grace is that the mortgage company admitted there was a mis communication  which makes them more willingly to work with us to get this resolved.  So whatever they say ask for it in letter form.

Wednesday, January 14, 2015

Now its just He Said

Quick update on the closing costs:  Apparently my little email got their attention.  One of the managers is suppose to be calling me tomorrow.  Right after the LO for NVR attempted to make a call today (left my phone at the office while I ran to get something for lunch).  If you word things just right- they will jump pretty high, lol

Update on the the trail:  I have been informed in no uncertain terms that the trail and the community space would not be completed until every last home is sold and all the homes are built.  Looks like my lot situation will be in limbo for about another year plus- best guess.  There are still 20 lots or so to be sold.  Typically takes about 3 months from the signing of the purchase agreement for them to get started on building your home (they had only 1 home being built before my house started the snowball effect) plus another 3 months to build the house, if there are NO complications.  Our PM has already said he will be starting one new home a week until the end of March.  That means if they magically sell all the homes tomorrow then the last of the ground breaking will begin towards the end of September.  I doubt they will do anything that December, January or February.  See how this is shaping up? Again it was reiterated that this was the developer's responsibility not RH.  And leaves lot 14 caught in the middle.  I think I will start a letter campaign to the developer as soon as I move in.  If you are a neighbor feel free to join  ;)

Update on the Update:  My SR just contacted me to let me know the trail will be completed in March and community space at the end of the building process.

Tuesday, January 13, 2015

He said She Said

Today we were in contact with our loan officer to discuss the possibility of reducing our closing costs.  He was very helpful but in the end all the reductions suggested ended with us still paying the closing costs- with an interest rate no less.  He admitted that he works with lots of builders and that they rarely offer to pay part of closing costs if it wasn't originally written in the contract.  Hmmm.  He then directed us to speak to our SR.

I was also contacted by my SR today who said she spoke to management about the closing costs as well as my trail.  The trail is still up in the air (I am shocked!)  But she then directed me to speak to my LO to see about rolling the closing costs into the mortgage. Sigh

I kindly wrote them an email to the effect of "I will not play phone tag and I will not be sent this place and that place because no one wants to be responsible.  Do not contact me- contact each other and  once you guys figure this out, call me"  I am quite sure they have been very successful at putting people off by doing this very tactic- but its not going to happen today.   The novelty of" he said she said" was dead to me by the time I was a junior in high school.

My other point of contention is the non answer,  no answer by my PM in regards to my recirculating kitchen fan/vent.  I texted him and had planned on making a call but work was rather busy today.  In addition, I am now in the midst of training a new hire.  Not a big deal but it does require I pay attention to everything to make sure all my patients are happy and healthy and the new hire knows how to make sure they stay that way.

In the meantime, I will have my contractor meet me at the home to take a look at the potential wet bar with the not so easy plumbing.  I really didn't want to have issues with RH- and truly they are minor in comparison to some of you guys, but me and aggravation don't get along too well.  I'm aggravated.

Saturday, January 10, 2015

My new crusade

Before I begin, I really need to thank my neighbor to the right for allowing us to use his electricity for our sump pump until they turn on our electricity.  You absolutely rock!

I went back to house to check to see if they started all the repairs and fixes that have all the orange day glo paint on them.  The only thing I can see that they have done is reframed the doorway to my bathroom.  The attic access still has to be moved to the 3rd bedroom from the 4th
The PM drew the arch on the floor to show them which way the door should swing 
I stopped by to talk to my SR and ask a few questions (complain).  I truly feel that there wasn't full disclosure on a few items.  Like the fact the free buffer of trees was going to take up 25 feet of my lot.  I was specifically told that I would have a lot of side yard- not that most of that yard would  be trees.  I was then informed that it was in my contract (no it wasn't- that was mentioned at pre construction AFTER I asked) and that it was because I chose to build a CG.  Really?

So what about my outlet wiggle room?  No answer on that one but I didn't really expect one.
I also wanted to know when they were going to finally build that darn trail?  You know the one that will run directly beside and behind my home?  I need to know as this will affect how much yard I actually have left. Apparently, the developer is in charge of that part and my SR can only go on hear say about when that will go down.  In our community (and probably in all of the RH communities) the lot does not belong to RH until we sign a purchase agreement and put down a deposit.  In my case that happened in November.   This also means, RH can not touch and improve upon (move dirt) without the developer's permission.  Guess who didn't get permission yet?

I was told that have to be patient. Again, really?  There are 20 lots left to be sold out of 54 and all the home sites seem to be going fast.  Wouldn't it be prudent to begin work on the features you sold us on? No? Then how about this- I need reduced closing costs to be a happy woman right now.  Just so happens my SR will be meeting with her managers on Monday and this will be brought to their attention.   I will also get in contact with my NVR Mortgage contact.  The goal is to shave off $5000 or more of the total.

In general- I still love my home.  I walked my framed out castle today and started to envision where furniture would go and possible paint colors.  I stood in my bedroom and smiled at the fact I wouldn't be so cramped anymore.  I pondered about a mini green house on my deck.  I know my family can be REAL happy here but part of that is getting my kids a yard to play in and items placed and set where WE as a family find it convenient.

I will end this post with pics of my soon to be fabulous home
I am so short even the head of my home gets cut off! 
This will make one awesome foyer

Just had to get the arched window completely in the shot